Insurance policies are an expensive way of giving yourself peace of mind for when a rainy day rolls around. It's often the case that you won't need to make a claim. Even if you do need to claim, you may have to pay a large excess charge and your premiums will likely be increased. After all, if insurance companies didn't make more money than they paid out, they wouldn't last for very long!
In this article we will be looking at improvised insurance: a way of giving yourself some peace of mind while cutting out the insurance companies.
